The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,759
−HK$1,364/mo
▼ 0.25% · 3.875%
HK$22,435
−HK$688/mo
Today · 4.125%
HK$23,123
baseline
▲ 0.50% · 4.625%
HK$24,530
+HK$1,407/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$46,246/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,206
−HK$1,308/mo
▼ 0.25% · 3.875%
HK$24,855
−HK$659/mo
Today · 4.125%
HK$25,514
baseline
▲ 0.50% · 4.625%
HK$26,859
+HK$1,345/mo
Deposit HK$4.77M · loan HK$4.77M · min. income ≈ HK$51,028/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$324,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,110
−HK$1,638/mo
▼ 0.25% · 3.875%
HK$26,922
−HK$826/mo
Today · 4.125%
HK$27,748
baseline
▲ 0.50% · 4.625%
HK$29,436
+HK$1,688/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$55,496/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,047
−HK$1,570/mo
▼ 0.25% · 3.875%
HK$29,826
−HK$791/mo
Today · 4.125%
HK$30,617
baseline
▲ 0.50% · 4.625%
HK$32,231
+HK$1,614/mo
Deposit HK$3.82M · loan HK$5.73M · min. income ≈ HK$61,234/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$324,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,462
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,410
−HK$962/mo
Today · 4.125%
HK$32,372
baseline
▲ 0.50% · 4.625%
HK$34,342
+HK$1,970/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$64,744/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,889
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,798
−HK$922/mo
Today · 4.125%
HK$35,720
baseline
▲ 0.50% · 4.625%
HK$37,602
+HK$1,882/mo
Deposit HK$2.86M · loan HK$6.68M · min. income ≈ HK$71,440/mo (50% DSR)
Upfront cash ≈ HK$3.19M (deposit + AVD stamp duty HK$324,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,165
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$40,384
−HK$1,237/mo
Today · 4.125%
HK$41,621
baseline
▲ 0.50% · 4.625%
HK$44,154
+HK$2,533/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$83,242/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,571
−HK$2,354/mo
▼ 0.25% · 3.875%
HK$44,740
−HK$1,185/mo
Today · 4.125%
HK$45,925
baseline
▲ 0.50% · 4.625%
HK$48,346
+HK$2,421/mo
Deposit HK$954K · loan HK$8.59M · min. income ≈ HK$91,850/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$324,215 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).